A D V E R T I S I N G F E AT U R E
Cale Herndon, CFM, CSNA Merrill Lynch
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YoUR TRUSTED SpEcIAl NEEDS ADVISoR
ale first joined Merrill Lynch and the financial services industry in 2001 just weeks after 9/11. He has a comprehensive approach to wealth management focusing on developing appropriate long term strategies for high-net-worth individuals and their families to grow their business, preserve their wealth and help them meet their long-term financial goals. Cale is particularly interested in assisting families with special needs and holds a Certified Special Needs Advisor (CSNA) designation, for advisors with specific training in helping families with special-needs children and Eldercare training. This gives him the ability to understand and address special needs issues and provide team-approach solutions to each family situation. The Certified Financial Manager and Certified Special Needs Advisor designations, are internal Merrill Lynch self-study curriculum’s based on a variety of wealth management topics and end of course exams. The CSNA training covers a variety of topics, including special needs planning, special needs trusts and trustees, personal and legal concerns facing families of children with disabilities, and building collaborative relationships with special needs attorneys and disability advocates that foster an integrated financial strategy.
Merrill Lynch
You may also benefit from the Merrill Lynch Special Needs Planning Tools and Services for Special Needs Trustees. Merrill Lynch has developed three unique special needs planning tools to assist Financial Advisors and their clients in determining financial security for special needs loved ones: the Special Needs Calculator, the Special Needs Planning Workbook and the Financial Foundation’s Disability Supplemental Questionnaire. Please ask Cale about these resources. Trustees of special needs trusts often require assistance with trust administration and investment services to help them fulfill their fiduciary responsibilities. Cale’s approach to wealth management is consultative, conservative and goal oriented. He utilizes a disciplined process where he takes the time to listen to and review clients’ financial situations, preferences and goals and then, keeping financial security in mind, offers recommendations for diversified asset allocations designed to address their individual expectations and needs. His goal is always to
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Exceptional child 2013-14 |
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meet financial goals with the least risk possible. Lastly, he continues the process with discussions which cover a wide range of opportunities to include liabilities, education planning, investments, insurance, retirement, estate planning services and philanthropy. Cale is a 1994 graduate of North Carolina State University, where he received a B.A. in Multi-Disciplinary Studies with a concentration in Geopolitics. He is currently an officer in the North Carolina National Guard, where he flies AH-64D Apache Longbow Attack Helicopters. He is a recipient of the Air Medal for actions in Iraq in 2009. Cale and his wife, Katie, live in Cary with their two year old daughter and two dogs.
5000 Valleystone Dr., Cary, NC 27513
919-319-7125 http://fa.ml.com/cale.herndon